First State Bank of Joplin in Joplin, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Joplin - Overview

  • General
  • FDIC Certificate #: 1652
    Status: Active
    Federal Reserve ID: 872551
    Bank Holding Company (Regulatory Top Holder): Buerge Bancshares, Inc. (RSSDID: 1060346, Location: Joplin, MO)
    Date Established: May 05, 1925
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 9974
    FDIC's unique #: 1087
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 13, 2006
    Last Structure Change Process Date: November 22, 2006
    Last Data Update: November 22, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 802 Main Street, Joplin, MO 64801
    County: Jasper
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Joplin, MO (#3710)
    Core Based Statistical Area (CBSA): Joplin, MO (#27900)
    CBSA Metro Statistical Area: Joplin, MO (#27900)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $185.8 mil
    Equity capital: $20.9 mil
    Deposits held in domestic offices: $160.5 mil
    Return on assets (ROA): 1.64% ($3.1 mil)
    Quarterly return on assets: 1.61% ($3.0 mil)
    Return on Equity (ROE): 15.23% ($3.2 mil)
    Quarterly return on equity: 14.58% ($3.1 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.64% ($3,046.4 mil)
    Quarterly Pretax return on assets: 1.61% ($2,990.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 63Total employees (full-time equivalent)
  • $185,754Total assets
  • $15,742Cash and due from depository institutions
  • $12,630Interest-bearing balances
  • $80,768Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $82,022Net loans & leases
  • $2,623Loan loss allowance
  • $0Trading account assets
  • $1,619Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $185,754Life insurance assets
  • $5,603All other assets
  • $164,826Total liabilities and capital
  • $160,468Total liabilities
  • $122,245Total deposits
  • $160,468Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,779Trading liabilities
  • $0Other borrowed funds
  • $1,579Subordinated debt
  • $20,928All other liabilities
  • $20,928Total equity capital
  • $20,928Total bank equity capital
  • $0Perpetual preferred stock
  • $496Common stock
  • $4,683Surplus
  • $15,749Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $645Income earned, not collected on loans
  • $0Earning assets
  • $755Long-term assets (5+ years)
  • $175,420Average Assets, year-to-date
  • $55,907Average Assets, quarterly
  • $182,335Volatile liabilities
  • $190,668Insider loans
  • $87,938FHLB advances
  • $189,255Loans and leases held for sale
  • $3,601Unused loan commitments
  • $3,601Tier 1 (core) risk-based capital
  • $18,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,203Restructured Loans and leases
  • $1,384Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,184Total interest income
  • $655Total interest expense
  • $6,529Net interest income
  • $75Provision for loan and lease losses
  • $1,693Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,212Additional noninterest income
  • $5,341Total noninterest expense
  • $3,146Salaries and employee benefits
  • $731Premises and equipment expense
  • $1,464Additional noninterest expense
  • $2,806Pre-tax net operating income
  • $189Securities gains (losses)
  • $0Applicable income taxes
  • $2,995Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,995Net income attributable to bank
  • $0Net charge-offs
  • $2,995Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $2,325Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 15.23%Return on equity (ROE)
  • 3.41%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 182.93%Credit loss provision to net charge-offs
  • 70.27%Efficiency ratio
  • 64,960Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.63%Loss allowance to loans
  • 3.10%Loss allowance to noncurrent loans
  • 406.67%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 51.11%Net loans and leases to core deposits
  • 52.18%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 20.96%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $182,335Average earning assets
  • $19,667Average equity
  • $171,161Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01087First State Bank Of Joplin802 Main Street, Joplin, MO 64801May 05, 1925Full Service Brick and Mortar
    1189955Range Line Branch2433 Range Line, Joplin, MO 64801August 18, 1975Full Service Brick and Mortar
    2189956Webb City Branch1010 S Madison Ste M, Webb City, MO 64870June 20, 1997Full Service Retail
    418995832nd Street Branch1316 East 32nd Street, Joplin, MO 64804July 31, 1998Limited Service Facility
    53574337th & Maiden Lane Express Branch1651 West 7th Street Suite 1, Joplin, MO 64801May 08, 2000Full Service Brick and Mortar
    73051Sarcoxie Branch501 Cross Street, Sarcoxie, MO 64862September 01, 1881Full Service Brick and Mortar

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